Portfolio Optimization Strategies

As part of your Comprehensive Retirement Strategy, we will investigate the following areas to help optimize your portfolio. Read below to find out more about these strategies.

 Asset Allocation Strategy - Every investor is unique and has a different level of risk tolerance. We will investigate your current Asset Allocation and, if needed, design a new allocation that reflects your personal investing style.

Money Manager Strategy - If you are using Mutual Funds, ETFs, REITS or similar investments, then you need to know how those managers are performing. We will analyze their performance relative to their benchmarks and also determine if the fees are reasonable. If necessary, we will recommend other alternatives that may allow you to reach your goals with a minimum of risk an expense.

Retirement Strategy - When projecting your retirement income needs, we really must begin with the end in mind. We will be asking many questions about your lifestyle now and what it is expected to look like in the future. After a series of calculations taking into account inflation, historical market behavior, taxes and other factors, we can help guide you to financial independence. We will develop a financial plan that seeks to allow you to live your desired lifestyle.

Long Term Care Strategy - We will provide you with various alternatives to protect against this potential expense. If your financial plan indicates that you can afford to self-insure, we will let you know.

Estate Tax Strategy - We will perform a review of your Estate Planning documents. If you have not yet completed these tasks, we will gladly provide you with referrals to competent legal professionals. Your financial plan will include an estimate of any Estate Taxes that your estate may be faced with. This information may help you determine if you wish to begin a gifting strategy to your family, your church or charities. We will coordinate with you attorney to implement your estate plan and retitle assets to avoid probate and estate taxes. Talk to us about your goals and we'll get you heading in the right direction.

Retirement Distribution Strategy - Up to the day you retire, you have been in an accumulation or preservation mode. Upon retirement, you will have a new set of tax laws and penalties to be aware of. We will analyze your retirement accounts, 72t considerations, minimum distributions and other relevant factors. The goal is minimizing the taxes that you are required to pay and so you may put more money in your pocket.

Independent Advice Strategy - When you're looking for an advisor, you basically have three options. The first, a full-service Broker/Dealer, typically provides recommendations, has proprietary products and charges commissions. The second, a discount Broker/Dealer, is typically less expensive but you'll got to be willing to do it on your own. Third, you can work with an Independent Broker/Dealer with no proprietary products. We feel strongly that when you're seeking investment advice, you look for an independent firm.